农业小企业在转移农村富裕劳动力、促进农民增收农业增效、推动小城镇建设、加快现代农业建设等方面具有举足轻重的作用,是社会主义新农村建设的生力军。但农业小企业受诸多制约,抵押担保难、融资难已成为其又好又快发展的主要瓶颈。一、农业小企业抵押担保的难点(一)法律法规环境的限制。我国《担保法》第三十七条规定:“耕地、宅基地、自留地、自留山等集体所有的土地土地使用 Small-scale agricultural enterprises play a decisive role in the transfer of affluent rural labor force, promotion of farmers’ income-increasing agricultural efficiency, promotion of small town development and speeding up of modern agriculture construction. These are the new forces in building a new socialist countryside. However, many constraints on agricultural small businesses, mortgage guarantee difficult, financing has become the main bottleneck of its sound and rapid development. First, the difficulties of agricultural small business mortgage (a) the legal and regulatory environment restrictions. Article 37 of China’s ”Guarantee Law“ stipulates that: ”Land collectively owned by cultivated land, house sites, reserved plots and self-retaining hills and land shall be used for land use